Part II - Insurance

2.1 Insurance plans and compensation

2.1.1 In the event that an employee becomes ill, is injured or dies while travelling on government business, the employee or, where applicable, the employee's dependants may be provided with protection, subject to the terms and conditions of the following:

(a) the collective agreement or other authority governing terms and conditions of employment, i.e., injury-on-duty leave and severance pay;

(b) the Government Employees Compensation Act;

(c) the Flying Accident Compensation Regulations;

(d) the Public Service Superannuation Act;

(e) the Canada Pension Plan or Quebec Pension Plan;

(f) the Public Service Management Insurance Plan;

(g) the Disability Insurance Plan;

(h) the Public Service Health Care Plan (for medical and hospital expenses not paid under the Government Employees Compensation Act);

(i) the Crown Indemnification Policy in the event of a civil action against an employee taken by a third party; and/or

(j) insurance as a result of contracting with government-approved suppliers, services and products.

2.1.2 Details concerning public service benefit programs are found in Appendix A.

2.1.3 Employees are advised to confirm with their insurance agent that they are adequately insured if they use non-commercial flights.

2.1.4 Additional insurance purchased by the traveller shall not be reimbursed except for the cost of insurance to cover repairs to, or replacement of, damaged or lost luggage while travelling, unless such insurance is provided.

2.2 Vehicle Insurance

2.2.1 Employees authorized to drive a Crown-owned vehicle must drive it themselves. The federal government self-insures its own vehicles. There is no Crown liability coverage for unauthorized drivers who would be personally liable in the event of an accident.

2.2.2 Collision damage waiver coverage for the entire period that a vehicle is rented is required. This coverage is included when travellers use a government-approved individual designated travel card and shall be reimbursed in circumstances where an individual designated travel card is not used.

2.2.4 The employer assumes no financial responsibility for privately owned vehicles other than paying the kilometric rate and the supplementary business insurance premium, where required. The employer is not responsible for reimbursing deductible amounts related to insurance coverage.

2.2.5 Privately owned vehicles or other types of transportation used on government travel shall have at least the minimum provincial/territorial/state/country insurance coverage of public liability and property damage.

2.2.6 Additional premium costs for public liability and property damage, collision and comprehensive coverage shall be reimbursed for the applicable period, when supplementary business insurance for a vehicle is required.

2.2.7 Travellers who intend to carry passengers are advised to confirm with their insurance agent that they are adequately insured.